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" rel=3D"noopener"><span style=3D"color:#ffffff;font-size:14px;">|</span></=
a><strong><a style=3D"text-decoration: none; color: #FFFFFF;" href=3D"http:=
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8j1Sefw-Ww8-nmkqQ6FNtPB8KyTcp_j6tAEv_ef5NwAA__8lz2EJ" target=3D"_blank" rel=
=3D"noopener">&nbsp;</a><a style=3D"text-decoration: none; color: #FFFFFF;"=
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QSR-D63SaHw0UqC1YtRGJi2cECidSE4aPgUlVCuFVNK21pgTePSdhJy7rLTznmlBdyy4JKynuM5=
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Blquc1wJIqHkyLnbCWablFKE_8vn7XiE9NnGEqY4GdOOG8FSAcUnj9jaJehs_rTwAAAP__9pRjw=
A" target=3D"_blank" rel=3D"noopener">Become<span style=3D"color:#e4002b;fo=
nt-size:14px;">_</span>a<span style=3D"color:#e4002b;font-size:14px;">_</sp=
an>Partner </a></strong><a style=3D"text-decoration: none; color: #FFFFFF;"=
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QSR-D63SaHw0UqC1YtRGJi2cECidSE4aPgUlVCuFVNK21pgTePSdhJy7rLTznmlBdyy4JKynuM5=
8IpyHFLT23ehBNy2o3GiXx8aLrJvYoo1u9BkS8hLuRNvO2jNTPVP9cRynf29M9fNa6QY3bDaotG=
Blquc1wJIqHkyLnbCWablFKE_8vn7XiE9NnGEqY4GdOOG8FSAcUnj9jaJehs_rTwAAAP__9pRjw=
A" target=3D"_blank" rel=3D"noopener">|</a><strong><a style=3D"text-decorat=
ion: none; color: #FFFFFF;" href=3D"http://email.thelender.com/c/eJxUkL1qwz=
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YYULvbj6s9CXt6Gr7_1_bFhuKwLQSR-D63SaHw0UqC1YtRGJi2cECidSE4aPgUlVCuFVNK21pgT=
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TPVP9cRynf29M9fNa6QY3bDaotGBlquc1wJIqHkyLnbCWablFKE_8vn7XiE9NnGEqY4GdOOG8FS=
AcUnj9jaJehs_rTwAAAP__9pRjwA" target=3D"_blank" rel=3D"noopener">&nbsp;</a>=
<a style=3D"text-decoration: none; color: #FFFFFF;" href=3D"http://email.th=
elender.com/c/eJxUkLFq8zAURp9G2hykK1nyHTSE8Buc7actpaMsXdUG2Qn2LSZvX0i7dP2G7=
3BODq332ltJQTv0GjoHStLKMz-GHC7u7YpnpS8vw8fv-vq4U7jcVo6J5RQAU5scakDjYCSvfck-=
aU1guhHRyzmAAqOVBu2Ma9tTRMJOx1K6AtYjCqt4okprpu2UboucmZYhB2uxGzHaxkQojfVlbFA=
V2yRDLvkRS8wka5iY77swZwG9gP44jtOfNwH9Fpn2iYh3Ab3cQlzzRoewamfa6rx-plif4P32tS=
V6CtIS5zrWuLNkWu41Mg05_P_JAf-G9-t3AAAA__8SkGH_" target=3D"_blank" rel=3D"no=
opener">Rates</a></strong></span>
</p></div></div></td></tr></table></td></tr></tbody></table></td></tr></tbo=
dy></table><table class=3D"row row-3" align=3D"center" width=3D"100%" borde=
r=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"=
mso-table-lspace:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-c=
ontent stack" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0=
;background-color:#fff;color:#000;width:700px;margin:0 auto" width=3D"700">=
<tbody>
<tr><td class=3D"column column-1" width=3D"100%" style=3D"mso-table-lspace:=
0;mso-table-rspace:0;font-weight:400;text-align:left;vertical-align:top;bor=
der-top:0;border-right:0;border-bottom:0;border-left:0"><table class=3D"ima=
ge_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=
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"><tr><td class=3D"pad" style=3D"width:100%;padding-right:0;padding-left:0"=
><div class=3D"alignment" align=3D"center" style=3D"line-height:10px"><img=
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class=3D"fullWidth" src=3D"https://d15k2d11r6t6rl.cloudfront.net/public/use=
rs/Integrators/3fd3a448-3d02-49a4-af26-a82213fec67e/thelender/NonQM---Bank-=
Statement-Qualifier.jpg" style=3D"display:block;height:auto;border:0;max-wi=
dth:700px;width:100%" width=3D"700" alt=3D"We are here for you, America" ti=
tle=3D"We are here for you, America"></div></td></tr></table></td></tr></tb=
ody></table></td></tr></tbody></table><table class=3D"row row-4" align=3D"c=
enter" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"=20
role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tbod=
y><tr><td><table class=3D"row-content stack" align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-tabl=
e-lspace:0;mso-table-rspace:0;color:#000;width:700px;margin:0 auto" width=
=3D"700"><tbody><tr><td class=3D"column column-1" width=3D"100%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:l=
eft;background-color:#fff;vertical-align:top;border-top:0;border-right:0;bo=
rder-bottom:0;border-left:0"><table class=3D"text_block block-1" width=3D"1=
00%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation"=
 style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word"><tr>=
<td class=3D"pad" style=3D"padding-bottom:10px;padding-left:20px;padding-ri=
ght:20px;padding-top:15px"><div style=3D"font-family:sans-serif"><div=20
class style=3D"font-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-s=
ize:12px;mso-line-height-alt:14.399999999999999px;color:#555;line-height:1.=
2"><p style=3D"margin:0;text-align:center;mso-line-height-alt:14.3999999999=
99999px"><span style=3D"color:#e4002b;"><strong><span style=3D"font-size:34=
px;">BANK STATEMENT QUALIFIER</span></strong></span></p><p style=3D"margin:=
0;text-align:center;mso-line-height-alt:40.8px">
<span style=3D"color:#000000;font-size:20px;"><strong><span style>For those=
 who are self-employed and looking to own a home</span></strong></span></p>=
</div></div></td></tr></table><table class=3D"text_block block-2" width=3D"=
100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation=
" style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word"><tr=
><td class=3D"pad" style=3D"padding-bottom:10px;padding-left:20px;padding-r=
ight:20px"><div style=3D"font-family:sans-serif"><div class=20
style=3D"font-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:12=
px;mso-line-height-alt:14.399999999999999px;color:#555;line-height:1.2"><ul=
 style=3D"line-height:1.2;mso-line-height-alt:14.399999999999999px;font-siz=
e:18px"><li><span style=3D"font-size:18px;">Personal and Business Bank Stat=
ements allowed</span></li><li><span style=3D"font-size:18px;">12 month and =
24 month Bank Statement options</span></li><li><p style=3D"margin:0;mso-lin=
e-height-alt:21.599999999999998px">Max LTV (purchase only)
</p><ul style=3D"line-height:1.2;mso-line-height-alt:21.599999999999998px;f=
ont-size:18px"><li><p style=3D"margin:0;mso-line-height-alt:21.599999999999=
998px">Up to 90% on Non QHEM Plus</p></li><li><p style=3D"margin:0;mso-line=
-height-alt:21.599999999999998px">Up to 85% on standard Non QHEM</p></li></=
ul></li><li><span style=3D"font-size:18px;">2nd Home and Investment propert=
ies up to 80% LTV</span></li><li><span style=3D"font-size:18px;">Loan amoun=
ts up to $4MM</span></li><li>
<span style=3D"font-size:18px;">Non-Warrantable Condos allowed</span></li><=
li><span style=3D"font-size:18px;">DTI up to 55%</span></li><li><span style=
=3D"font-size:18px;">Credit scores down to 600</span></li><li><span style=
=3D"font-size:18px;">Recent Credit Events Allowed</span></li><li>7/6 and 10=
/6 ARM, 30, and 40 yr I/O option not fixed</li><li><span style=3D"font-size=
:18px;">Multiple financed properties allowed</span></li></ul></div></div></=
td></tr></table></td></tr></tbody></table></td></tr></tbody>
</table><table class=3D"row row-5" align=3D"center" width=3D"100%" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"m=
so-table-lspace:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-co=
ntent stack" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D=
"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;co=
lor:#000;width:700px;margin:0 auto" width=3D"700"><tbody><tr><td class=3D"c=
olumn column-1" width=3D"100%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:l=
eft;background-color:#fff;vertical-align:top;border-top:0;border-right:0;bo=
rder-bottom:0;border-left:0"><table class=3D"divider_block block-1" width=
=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"present=
ation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad=
"><div class=3D"alignment" align=3D"center"><table border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"95%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"divider_in=
ner" style=3D"font-size:1px;line-height:1px;border-top:2px solid #e4002b"><=
span>&#8202;</span></td></tr></table></div></td></tr></table><table class=
=3D"text_block block-2" width=3D"100%" border=3D"0" cellpadding=3D"0" cells=
pacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rs=
pace:0;word-break:break-word"><tr><td class=3D"pad" style=3D"padding-bottom=
:20px;padding-left:10px;padding-right:10px;padding-top:10px"><div=20
style=3D"font-family:sans-serif"><div class style=3D"font-family:Arial,Helv=
etica Neue,Helvetica,sans-serif;font-size:12px;mso-line-height-alt:14.39999=
9999999999px;color:#555;line-height:1.2"><p style=3D"margin:0;font-size:14p=
x;text-align:center;mso-line-height-alt:16.8px"><span style=3D"font-size:18=
px;"><strong>Cameron Leclair</strong></span></p><p style=3D"margin:0;font-s=
ize:14px;text-align:center;mso-line-height-alt:16.8px">
<strong>(949) 312-5374</strong>&nbsp;|&nbsp;<span style=3D"color:#000080;fo=
nt-size:14px;"><strong>cleclair@thelender.com&nbsp;</strong></span></p></di=
v></div></td></tr></table></td></tr></tbody></table></td></tr></tbody></tab=
le><table class=3D"row row-6" align=3D"center" width=3D"100%" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-tabl=
e-lspace:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-content s=
tack" align=3D"center" border=3D"0" cellpadding=3D"0"=20
cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-tab=
le-rspace:0;color:#000;width:700px;margin:0 auto" width=3D"700"><tbody><tr>=
<td class=3D"column column-1" width=3D"100%" style=3D"mso-table-lspace:0;ms=
o-table-rspace:0;font-weight:400;text-align:left;vertical-align:top;border-=
top:0;border-right:0;border-bottom:0;border-left:0"><table class=3D"text_bl=
ock block-1" width=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"=
0" role=3D"presentation"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word"><tr><=
td class=3D"pad"><div style=3D"font-family:sans-serif"><div class style=3D"=
font-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:12px;mso-li=
ne-height-alt:14.399999999999999px;color:#555;line-height:1.2"><p style=3D"=
margin:0;font-size:14px;text-align:center;mso-line-height-alt:16.8px">
<a style=3D"text-decoration: underline; color: #E4002B;" href=3D"http://ema=
il.thelender.com/c/eJxUkMFq6zAQRb_G2jlII9mSFlqE8ALO7tGW0uVYmmkMshPsKSZ_X0i7=
6fYu7uGckjrvjXeKkumjNxB60IoWmeQxlHTq3y7xqM3pZfj4XV8fd0qn2yKYRV0To2aXffAjYMi=
mhJEzsNUcYiQLnZoSaLBGGzC97bvugJFiMMgcGJyPsXFarlRpKbQe8m1Wk9A8lORcDGNE11oEbp=
3nsY2aXZst9dmPkbGQqukqct8ae2zg3MB53_fDn7cGzmpNuJSV9sbpTWit0_KZsT5Z2-1rzfR0o=
hmnOlbcRAnN94pCQ0n_fwrAv-H98h0AAP__8-heEQ" target=3D"_blank" rel=3D"noopene=
r">theLender.com</a> | <a style=3D"text-decoration: underline; color: #E400=
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JbdZZljW2pNDLId7A4mbz-QGQbm-h2qqMrReq-9kRS1C15D50BJWnji55Djxf27hrPSlz_D25f-=
fd4pXtaFMbG8RWu0RlBojPXK2i4HpVOGQro47ArKKYKCVisN2rXO2hMGCp3GUroCxocgjOIbVVo=
ybae0znJimoccjQndGNA0LUJpjC9jE1QxTWrJJT-GgplkjTfm-y7as4BeQH8cx-lHmoAex_XBzb=
cK6OUWcckbHcKonWmr0_KesL7a9_WxJXqtpBmnOlbcWTLN94pMQ46_Pz-BX8P_60cAAAD__zIPZ=
Ak" target=3D"_blank" rel=3D"noopener">About Us</a>&nbsp;| <a style=3D"text=
-decoration: underline; color: #E4002B;" href=3D"http://email.thelender.com=
/c/eJxUkL1qwzAURp_G2hykK1myBg0h1OBspS2lo36uGoP8g3yDydsX0i5dv-E7nJNcZ4wwiqET=
2hoBvQbOcKGJHmNyF_1xtWcuLm_j19_6_tjQXdaFfCR2cwplCh0m5FonDBowxxBAetsJ1aFkkwM=
OUnABQkvddSdv0fbC59xnUMbaRnG6YcElYT3FdWYT4Twmp5Ttg_WqlR5yq0wOreVZtVGijibY7B=
Oy4m5E297IcwNDA8NxHKd_bw0M1RPu7VbXdI-0NzCw6vySKh6N4jthLdPyHX15wvf1XiM-JXH2U=
wnF78QI5614wjG5198k8DJ-Xn8CAAD__824ZL4" target=3D"_blank" rel=3D"noopener">=
Products</a>&nbsp;| <a style=3D"text-decoration: underline; color: #E4002B;=
" href=3D"http://email.thelender.com/c/eJxUkL1qwzAURp9G2hwkWT_WoCGEGpyttKV0=
vJauEoP8g3yLydsX0i5dv-E7nJOCcU46zTFI651UnVWC40ITPYYULvbj6s9CXt6Gr7_1_bFhuKw=
LQSR-D63SaHw0UqC1YtRGJi2cECidSE4aPgUlVCuFVNK21pgTePSdhJy7rLTznmlBdyy4JKynuM=
58IpyHFLT23ehBNy2o3GiXx8aLrJvYoo1u9BkS8hLuRNvO2jNTPVP9cRynf29M9fNa6QY3bDaot=
GBlquc1wJIqHkyLnbCWablFKE_8vn7XiE9NnGEqY4GdOOG8FSAcUnj9jaJehs_rTwAAAP__9pRj=
wA" target=3D"_blank" rel=3D"noopener">Mortgage Partner</a>&nbsp;| <a style=
=3D"text-decoration: underline; color: #E4002B;" href=3D"http://email.thele=
nder.com/c/eJxUkDFrwzAQhX-NtDlIJ1myBg0h1OBspS2l41k6NQbZCfYVk39fSLp0fcN77_ty=
bL3X3kqK2gWvoXOgJC088X3I8eQ-zuGo9Olt-PpL3-83iqfrwphYXiKhKVAcQjBjsqiVsV1plfZ=
dq2HMTk4RFBitNGhnXNseMFDoNJbSFbA-BGEVX6jSkmk9pOssJ6Z5yNHa0I0BbWMQSmN9GZugim=
2SIZf8GApmkjVemG-bMEcBvYB-3_fDvzYBfXqebUBAL9eIS15pF1ZtTGudlu-E9bG7XX_WRA8-m=
nGqY8WNJdN8q8g05Pj6tAEvw-f5NwAA___GUGFS" target=3D"_blank" rel=3D"noopener"=
>Contact</a>
</p></div></div></td></tr></table></td></tr></tbody></table></td></tr></tbo=
dy></table><table class=3D"row row-7" align=3D"center" width=3D"100%" borde=
r=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"=
mso-table-lspace:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-c=
ontent stack" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0=
;color:#333;width:700px;margin:0 auto" width=3D"700"><tbody><tr><td=20
class=3D"column column-1" width=3D"25%" style=3D"mso-table-lspace:0;mso-tab=
le-rspace:0;font-weight:400;text-align:left;vertical-align:top;border-top:0=
;border-right:0;border-bottom:0;border-left:0"><table class=3D"image_block =
block-1" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" ro=
le=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td=
 class=3D"pad" style=3D"width:100%"><div class=3D"alignment" align=3D"cente=
r" style=3D"line-height:10px"><img=20
src=3D"https://d15k2d11r6t6rl.cloudfront.net/public/users/Integrators/3fd3a=
448-3d02-49a4-af26-a82213fec67e/ADMIN/editor_images/Equal_Housing_Opportuni=
ty.png" style=3D"display:block;height:auto;border:0;max-width:65px;width:10=
0%" width=3D"65" alt=3D"Image" title=3D"Image"></div></td></tr></table></td=
><td class=3D"column column-2" width=3D"75%" style=3D"mso-table-lspace:0;ms=
o-table-rspace:0;font-weight:400;text-align:left;vertical-align:top;border-=
top:0;border-right:0;border-bottom:0;border-left:0"><table=20
class=3D"html_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-tab=
le-rspace:0"><tr><td class=3D"pad"><div style=3D"font-family:Arial,Helvetic=
a Neue,Helvetica,sans-serif;text-align:center" align=3D"center"><div style=
=3D"font-size: 12px; line-height: 14px; font-family: Arial, 'Helvetica Neue=
', Helvetica, sans-serif; color: #555555; text-align: left;">
  <p style=3D"font-size: 14px; line-height: 14px; margin: 0;"><span style=
=3D"font-size: 12px;">Equal Housing Opportunity NMLS #133519 For current li=
censes, visit www.nmlsconsumeraccess.com. Hometown Equity Mortgage, LLC, DB=
A theLender, 25531 Commercentre Dr #250, Lake Forest, CA 92630. Arizona Mor=
tgage Banker License No. BK-1018248. All loans must meet Hometown Equity Mo=
rtgage=E2=80=99s underwriting guidelines. This information is intended for =
the exclusive use of licensed real estate and mortgage lending professional=
s in accordance with local laws and regulations. Distribution to the genera=
l public is prohibited. Loans made or arranged pursuant to the California F=
inancing Law. </span></p>
</div><br />

<div style=3D"font-size: 11px; line-height: 14px; font-family: Arial; color=
: #555555; text-align: left;">
  <p style=3D"font-size: 12px; line-height: 14px; margin: 0;"><span style=
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nformative. If you'd rather not receive emails like this from us in the fut=
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s_Hi6vhaR9c6ZlHkR4EHsR_yyCfrkGAPOte6OdXxJnx75LfY37ym5TXdzwPEm75zQjmviXXEamC=
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XBgByMcpDrOLxbkLi0e_wQAAP__CjfRAw" target=3D"_blank" style=3D"background-co=
lor: rgb(255, 255, 255);">here</a>. You're receiving this communication fro=
m us because you've given Hometown Equity Mortgage, LLC d/b/a theLender you=
r email in the past, and we're trying to stay in touch with you. If you pre=
fer to contact us in writing, please mail any correspondence to 25531 Comme=
rcentre #250 Lake Forest, CA 92630.</span></p>
</div></div></td></tr></table></td></tr></tbody></table></td></tr></tbody><=
/table></td></tr></tbody></table><!-- End --></body></html><br /><img src=
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